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Originally Posted by BlueMoon
cool, Amex is a great company. how do they rank on J.D.Power?
one of my clients is an automobile management company and 90% of their mainstream clients has been hit hard by the credit checks. they find ways to get people in highline cars with so/so credit.
then again, i personally think that anyone who buys a brand new car is taking a big hit when I can get porsche 911s on a 1 year lease for around $1,000 a month.
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Hi,
I haven't checked JD Power ratings in quite awhile, but Amex does pretty darn good in my opinion. Alot of ppl do bitch about 1 thing with Amex if you have multiple card. Some ppl once in a awhile get hit with there "FR" which is finanacial review.
It mostly happens when you have a Charge Card (green,plat,gold,etc) with no pre-set credit limit and you also have '1' or more of there Credit cards, I.E. Blue, Blue Cash, Hilton, Starwood, etc.
I have both charge and credit line ones and have never been hit with a FR, some people have. If they hit you, you need to fax personal financial info, etc.
Now as far as car loans, leases, etc. they use Fico scores too but also use what is called Auto Enhanced Fico / Scores. Pretty close to real fico's mostly, but they also score how you have been with just auto / car loans, credit, etc.